Credit Cruch Christmas Cracker
Credit Crunch Christmas Crackers.
We've heard all about the "Credit Crunch" from the Politicians point of view, George Osborne, included! I thought it was about time the Politicians heard what is really going down, in the excruciatingly painfully plummeting in value homes, across the UK, starting with my own, obviously! We, my husband and our two daughters, and I, live in Lisburn, Northern Ireland, which until last autumn, was the highest climbing housing market in the whole of the UK, excluding only London and the South East. Having bought in April 2007 at 6 and a 1/2 times our income, with the idea of selling at a profit in March 2008, blissfully unaware of the proverbial ‘Brown Stuff Hitting the Fan', the changing of the seasons would bring, we have probably been hit the hardest out of anyone we know, but not to be deterred, we face life's challenges with a grin, and stand head on in the Tsunami of doom and gloom that greets us with the switching on of our Television Set, each morning. We are Average Joe's, with a slightly unconventional family, in that, I am actually married to the father of my children, am over the age of 18, and my husband goes out to work and declares all his earnings, while I stay at home to look after my own children without claiming I am a single parent, just to get more out of the Benefits System! Yo, Camy, love the idea of Tax Breaks for Married Couples, BTW!
It has just gone 10:30pm, I'm enjoying my first Dora the Explorer free hour of the day as my 3 year old daughter has finally fallen asleep enough to be placed in her bed and I have just watched this mornings edition of, ‘The Andrew Marr Show', albeit rudely disjointed and interrupted by a swirling circle of little dots as BBC iplayer does battle with my limited bandwidth. Andrew Marr, a wealth of inspiration for any aspiring satirical writer; and as luck would have it, that is just what I happen to be, and I'll start with…
…The Credit Crunch, what does it really mean to us? As a stay at home mum I am ideally placed to hear the views on the street and the hot gossip over steaming mugs, of tea, at my mother and toddler groups; The main topic of which, besides their child's potty training fiascos or their choices of nursery schools, recently, has been The Credit Crunch, their general consensus has been that it is a fictitious invention, designed to scare us all into having a miserably frugal Christmas, to follow an equally damp and dismal British summer of cancelled holidays, and lon
g queues on the motorways, due to an insane amount of seemingly pointless road works, while we trek our little darlings to inadequate ‘indoor activity centres' throughout the UK. The ultimate aim of these Government Sparked and Media Fuelled, scare tactics seems to be to give the Governments of the World an excuse to tax us more while at the same time, allowing them to cut back on all of their budgets across the board. The money lost by dim witted investors will as always flow back to the pockets of the top 1%. As Robert Kiyosaki would say, "Money is just Dirty Paper, but the opportunities to make more of it are all around us." You aren't limited to the income you make between the hours of 9 ‘til 5, if you put your mind to it, I'm sure you could think of a way to bring in a few extra Pennies this month?
My advice to all those Average Joe's out there is not to let the Politicians meaningless words of World Recession and League Tables of Failing Economies get you down. If you find yourself staying in that 2 bed terrace a bit longer than planned, or unexpectedly given the opportunity to find a new career, alter your goals to suit the your surroundings, but don't give up on your dreams, with a little forward thinking and a bit of patience, and some smart financing you can still maintain a positive outlook on life. The trick is to, "Prosper where you are planted!" and be thankful for what you have got. Let's face it, there are far worse locations to be in, around the world, than in the UK; there are a few nicer places, too, with better weather, but we can't all emigrate to Australia at the same time, they'd never cope!
May be the banks should introduce a period of "Free Credit", to increase consumer confidence, it worked for the Japanese economy, after their "Bubble Burst" in the late 90's, I know, I was there! Not sure how it benefited the banks but it got the money flowing again, so was worth a bit of sacrifice on their part. It's just a thought. As we're on an interest only Mortgage and have no savings what so ever then by all means, keep cutting those rates Gordo, every little helps!
Relax Average Joe, the kids won't mind if you shop on EBay this Christmas, just as long as you get them something! Your £'s aren't doing anyone any good under the mattress, so get out there and enjoy the festive season, and if you are still feeling the financial pinch, then ask yourself, "Do you really need to hang on to that exclusive electric guitar, you've strummed about twice, that is taking up space in the attic or would it be better exchanged for a few quid to get little Jimmy his first bicycle?"
This Golden Chicken Nugget was brought to you by;
Chryssy G. Carter
We've heard all about the "Credit Crunch" from the Politicians point of view, George Osborne, included! I thought it was about time the Politicians heard what is really going down, in the excruciatingly painfully plummeting in value homes, across the UK, starting with my own, obviously! We, my husband and our two daughters, and I, live in Lisburn, Northern Ireland, which until last autumn, was the highest climbing housing market in the whole of the UK, excluding only London and the South East. Having bought in April 2007 at 6 and a 1/2 times our income, with the idea of selling at a profit in March 2008, blissfully unaware of the proverbial ‘Brown Stuff Hitting the Fan', the changing of the seasons would bring, we have probably been hit the hardest out of anyone we know, but not to be deterred, we face life's challenges with a grin, and stand head on in the Tsunami of doom and gloom that greets us with the switching on of our Television Set, each morning. We are Average Joe's, with a slightly unconventional family, in that, I am actually married to the father of my children, am over the age of 18, and my husband goes out to work and declares all his earnings, while I stay at home to look after my own children without claiming I am a single parent, just to get more out of the Benefits System! Yo, Camy, love the idea of Tax Breaks for Married Couples, BTW!
It has just gone 10:30pm, I'm enjoying my first Dora the Explorer free hour of the day as my 3 year old daughter has finally fallen asleep enough to be placed in her bed and I have just watched this mornings edition of, ‘The Andrew Marr Show', albeit rudely disjointed and interrupted by a swirling circle of little dots as BBC iplayer does battle with my limited bandwidth. Andrew Marr, a wealth of inspiration for any aspiring satirical writer; and as luck would have it, that is just what I happen to be, and I'll start with…
…The Credit Crunch, what does it really mean to us? As a stay at home mum I am ideally placed to hear the views on the street and the hot gossip over steaming mugs, of tea, at my mother and toddler groups; The main topic of which, besides their child's potty training fiascos or their choices of nursery schools, recently, has been The Credit Crunch, their general consensus has been that it is a fictitious invention, designed to scare us all into having a miserably frugal Christmas, to follow an equally damp and dismal British summer of cancelled holidays, and lon
My advice to all those Average Joe's out there is not to let the Politicians meaningless words of World Recession and League Tables of Failing Economies get you down. If you find yourself staying in that 2 bed terrace a bit longer than planned, or unexpectedly given the opportunity to find a new career, alter your goals to suit the your surroundings, but don't give up on your dreams, with a little forward thinking and a bit of patience, and some smart financing you can still maintain a positive outlook on life. The trick is to, "Prosper where you are planted!" and be thankful for what you have got. Let's face it, there are far worse locations to be in, around the world, than in the UK; there are a few nicer places, too, with better weather, but we can't all emigrate to Australia at the same time, they'd never cope!
May be the banks should introduce a period of "Free Credit", to increase consumer confidence, it worked for the Japanese economy, after their "Bubble Burst" in the late 90's, I know, I was there! Not sure how it benefited the banks but it got the money flowing again, so was worth a bit of sacrifice on their part. It's just a thought. As we're on an interest only Mortgage and have no savings what so ever then by all means, keep cutting those rates Gordo, every little helps!
Relax Average Joe, the kids won't mind if you shop on EBay this Christmas, just as long as you get them something! Your £'s aren't doing anyone any good under the mattress, so get out there and enjoy the festive season, and if you are still feeling the financial pinch, then ask yourself, "Do you really need to hang on to that exclusive electric guitar, you've strummed about twice, that is taking up space in the attic or would it be better exchanged for a few quid to get little Jimmy his first bicycle?"
This Golden Chicken Nugget was brought to you by;
Chryssy G. Carter
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